After weightlifting today, I went with my Right-Hand-Man to Target. Why pray tell did I not utilize Target.com? I only needed a few things (body wash, back up shaver heads), it wasn't enough to allow for free delivery, and if I have to pay for shipping, what's the point. Fails all cost/benefit analyses. Id est, 'tisnt cost effective. Historically, I've done big Target orders only when I'm running low on raisin bran. I use that as a governor on my spending, batch my purchases. Id est, I heed the advice to not spend it all in one place, or at least, not AAP at one time. Of course following space time physics parameters; if you are spending it at different times, you are by the very dint of logic, spending on different places